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How is my Bike Premium Calculated?

The bike insurance premium is calculated on the basis of the below factors:-

  • Cubic capacity – The major factor deciding the third party premium of your bike is the cubic capacity of the bike. Higher the cubic capacity, higher would be the premium.
  • Make & Model – The premium of your bike depends on the make and model of the bike. Few makes of bikes have higher premium compared to the other makes. For instance Yamaha bikes have higher premium when compared to Bajaj bikes for the same cubic capacity. This is due to the cost of replacement of parts being high at the time of claim for few make and models.
  • Date of registration – The date of registration is used to calculate the age of the bike. The premium depends on the age of the vehicle.
  • Insured Declared Value - IDV is the sum insured of the bike which is agreed between the insured and the insurance company. Higher the IDV, higher would be the premium.
  • RTO – The place of registration of bike also plays an important role in deciding the premium. For the purpose of premium calculation cities are divided in two zones; Zone A- which covers all the capitals of states, Zone –B which includes all other cities other than that of Zone-A.
How to get Bike Insurance Online?

To get bike insurance online first go to the Policybachat website and fill required details in the form like registration number, engine number, policy number, and vehicle owner details, address, nominee details, etc. Click on review and make payment. If need help? Call 1800-123-4003.

How to get the Cheap Bike Insurance Premium?

The cheap and best bike insurance premium quotes can be found online on our portal. Bike premium can be reduced in the following ways and the cheap bike insurance quotes can be generated online:-

  • Only third party insurance can reduce the premium drastically and cheap quotation can be generated.
  • Opting for higher voluntary deductible reduces the overall premium to be paid thereby making the bike insurance cheap.
  • Purchasing bike insurance online where you can have many options and the cheap option can be selected from the list of available companies.
  • Fitting of anti theft devices and having AAA membership can also reduce the bike insurance premium to be paid to the insurance companies.
What is 3rd Party Bike Insurance?

The Third-Party Bike Insurance covers the death or bodily injury of third parties in case of an accident in addition to the property damage while the own damage section covers the loss or damage to the bike due to an insured peril operating at the time of loss or accident. The third-party Bike insurance also includes the compulsory owner/driver personal accident cover of Rs.15 Lacs. In case of death or permanent disability of the owner/driver due to an accident at the time of driving the bike, the claim is paid under this coverage.

How to check Bike Insurance Calculator Premium?

Bike Insurance Premium is calculated online these days with the help of computers and other digital equipment. In the starting days of insurance, the premium calculation was done manually and was given in writing. Some are the factors include for calculating insurance premiums are Make and Model, IDV (Insured Declared Value), Cubic capacity, NCB (No Claim Bonus), Loss Ratio, etc. by digital you will get the premiums manually.

How to get the Cheapest Two Wheeler Insurance Premium?

For taking cheap two wheeler insurance is referred to the third-party insurance premiums and bumper to bumper insurance liabilities from different insurance companies where the claims are covered. There are so many top insurers like general insurance private limited and so on which gives some beneficiary liabilities, roadside assistance, and coverages. The claims covered in third-party liability are death and disability, property damage, and personal accident cover for bike owner/driver under your two wheeler insurance policy. Cheap bike Insurance Premiums can be found on our portal you can avail yourself of low premiums with top insurers.

Related Question

  • How to Calculate Motor Vehicle Insurance Premium
  • How to Calculate General Insurance Premium

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Two Wheeler Brands

  • ACCURA
  • ALLWYN
  • AMPERE
  • API
  • APRILIA
  • ASHISH WHEELS KYOTO
  • BAJAJ
  • BMI
  • BMW
  • BSA MOTORS
  • C M OVERSEAS
  • CF MOTO
  • DSK BENELLI
  • DSK MOTOWHEELS
  • DUCATI
  • ELECTROWHEELZ
  • ELECTRTHERM INDIA PVT LTD
  • EVOLET
  • GARWARE MOTORS – HYOSUNG
  • GLOBAL AUTOMOBILES PVT LTD
  • GO GREEN
  • HARLEY- DAVIDSON
  • HERO
  • HERO ELECTRIC
  • HERO HONDA
  • HERO MOTOCORP
  • HERO ULTRA
  • HONDA
  • HYOSUNG
  • INDIAN MOTORCYCLE
  • JAWA
  • KANDA
  • KAWASAKI
  • KINETIC
  • KTM
  • LAMBRETTA
  • LML
  • MAHINDRA TWO WHEELERS
  • MIRACLE 5
  • MONTO
  • MOTO GUZZI
  • MZ
  • NORTON
  • OKINAWA
  • OREVA
  • PIAGGIO
  • POLARIS
  • REGAL RAPTOR
  • ROYAL ENFIELD
  • SAVY ELECTRIC VEHICLES
  • SCOOTERS INDIA LTD
  • SHEMA E VEHICLE
  • SOORAJ
  • SUZUKI
  • TRIUMPH
  • TVS
  • UM MOTORCYCLES
  • VIBGYOR VEHICLES
  • YAMAHA

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